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TWENTY YEAR ENDOWMENT YOUTH SAVINGS POLICY

DESCRIPTION AND RATES

·       20 Years of Life Insurance Protection –full benefits will be payable tax free in the event of an untimely death

·       Builds Cash Value Most Quickly

·        Fully Paid Up in Only Twenty Level Payments

·       Economical Single-Pay Option Available to Maximize Savings and Cash Value Returns

·        Full Benefits Payable in Twenty Years

·        Excellent Youth Policy Choice for Our Youngest Members

·     Extremely Economical for Younger Clients Who Would Like to Maximize Premium Savings through an Accelerated Payment Schedule

·        Excellent Youth Policy Choice for Our Youngest Members

·      Dividends: available for most forms of permanent coverage in paid-up additions or cash to enhance savings and returns on investment

·        SAVE: For Education, Payment of Student Loans after College, or a Head Start in Life

·         EXAMINE and CALCULATE RATES BELOW

·        Click Here for Preliminary Application or Contact Us

PREMIUM CALCULATION INSTRUCTIONS:

  1. In the below table, find your loved one’s age in the columns
  2. Move across that row until you reach your loved one’s gender
  3. Multiply the resulting dollar value per $1,000.00 by the number of thousands of face value coverage that you desire
  4. Add $2 per $1,000.00 of desired face value up to a maximum of $20
  5. This is your annual premium

PREMIUM MODE CALCULATION OTHER THAN ANNUAL:

  1. Monthly Premium Payments – multiply the annual premium calculated above by .09.
  2. Quarterly Premium Payments - multiply the annual premium calculated above by .265.
  3. Semi-Annual Premium Payments - multiply the annual premium calculated above by .52

20 Year Endowment

Annual Premium Per $1,000 Face Amount

Issue Age            Male        Female

0                          32.08          31.93

1                          32.08          31.93

2                          32.10          31.94

3                          32.12          31.95

4                          32.14          31.96

5                          32.17          31.98

6                          32.20          32.00

7                          32.25          32.02

8                          32.30          32.04

(Rates for Older Ages Available on Request; Call or Contact Us)

SINGLE PAY PROTECTION AND SAVINGS PLAN – SAVE THOUSANDS OF DOLLARS FOR YOUR LOVED ONE’S BENEFIT

SAMPLES FOR $5,000.00 ENDOWMENT

$5,000.00              Single-Payment      Twenty Annual Premiums       Premium Savings

0 year old boy             $2,315.74             20 x $170.40 = $3,408                       $1092.26

0 year old girl:             $2,305.54             20 x $169.65 = $3,393                       $1,087.46         

1 year old boy:            $2,315.74             20 x $170.40 = $3,408                       $1,092.26

1 year old girl:             $2,305.54             20 x $169.65 = $3,393                       $1,087.46 

2 year old boy:            $2,317.09             20 x $170.50 = $3,410                       $1,092.91

2 year old girl:             $2,306.22             20 x $169.70 = $3,394                       $1,087.78 

3 year old boy:            $2,318.45             20 x $170.60 = $3,412                       $1,093.55

3 year old girl:             $2,306.90             20 x $169.75 = $3,395                       $1,088.10

4 year old boy:            $2,319.81             20 x $170.70 = $3,414                       $1,094.19

4 year old girl:             $2,307.58             20 x $169.80 = $3,396                       $1,088.42          

5 year old boy:            $2,321.85             20 x $170.85 = $3,417                       $1,095.15

5 year old girl:             $2,308.94             20 x $169.90 = $3,398                       $1,089.06   

6 year old boy:            $2,323.89             20 x $171.00 = $3,420                       $1,096.11

6 year old girl:             $2,310.30             20 x $170.00 = $3,400                       $1,089.70    

7 year old boy:            $2,327.28             20 x $171.25 = $3,425                       $1,097.71

7 year old girl:             $2,311.66             20 x $170.10 = $3,400                       $1,090.34  

8 year old boy:            $2,330.69             20 x $171.50 = $3,425                       $1,099.31

8 year old girl:             $2,313.02             20 x $170.20 = $3,404                       $1,090.98 

(Rates for Older Ages Available on Request; Call or Contact Us)


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